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it in the context of american culture, and so i took a trip to japan in november. and one thing they have in common with people of the united states, and they have income from paycheck to mouth to more mortgage to next month situation. there is not a lot of spare savings and that is why people like elizabeth warren and her daughter wrote about the two income trap for working parents. even people who consider themselves middle-class or by economic means middle-class, e they don't have a lot of room for error. and when you talk about breaks in employment, you dip into savings and people dip into the retirement funds, so fiscal cliff, we are talking about the national culture whereby in large, we don't have a pad of savings to deal with things like health care costs that we didn't expect or, you know, family income that is missing. so it is part of a bigger picture. >> and if we ef did, that wealth, and that cushion existed in your home and your house, and when the housing mortgage crisis occurs, and that happens and the only cushion that people had, we talk about the possibility of agriculture as par
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